It’s good to have a place to call home.
The white picket fence. The lawn and garage. Owning your own home is the American dream and United Financial is here to help.
Why Choose United Financial Credit Union for Your Mortgage Needs?
We understand that the mortgage process can be overwhelming, and you may have concerns about finding the right home loan, managing payments, and navigating the ever-changing market.
With over 60 years of face-to-face service, our team members are ready to walk you through your new mortgage. Whether it’s your first home, a property loan for a piece of land, a home equity loan, or finally time for your dream vacation home, let’s find the best possible product for you, so all you need to focus on is enjoying your new space.
Peace of Mind
Our competitive rates, flexible terms, and range of mortgage options ensure that you’ll find a home loan tailored to your budget and preferences, providing stability and confidence throughout the process.
Ongoing Support
Our experienced mortgage team is always available to answer your questions and address any concerns, offering you the assurance that you’re never alone in your journey towards homeownership.
Community Commitment
As a member-owned institution, your financial well-being is our top priority. We work diligently to create a supportive environment where your needs are heard and valued.
Let United Financial Credit Union be your trusted partner in achieving your homeownership dream
by finding you the perfect Michigan home loan!
Mortgage & Home Equity Loan
First Mortgage
(up to 97% financing)
| Loan Type | APR* as low as |
|
66 month Balloon |
Call or click for rates |
|
7 yr Balloon |
Call or click for rates |
|
10 yr Balloon |
Call or click for rates |
|
5 yr Fixed |
Call or click for rates |
|
10 yr Fixed |
Call or click for rates |
|
15 yr Fixed |
Call or click for rates |
|
20 yr Fixed |
Call or click for rates |
|
30 yr Fixed |
Call or click for rates |
|
FHA Loan |
Call for rates |
|
Rural Development |
Call for rates |
|
VA Loan |
Call for rates |
***The above listed rates are for principal residence only. The above listed payments do not include amounts for taxes and insurance premiums, if applicable, and your actual payment may be higher. The interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for federal income tax purposes. The consumer should consult a tax adviser for further information regarding the deductibility of interest and charges.
The rates are based on a $125,000 loan amount. Rates and fees may vary based on market conditions and are subject to change at any time. Rates are based on a 30 day lock.
Second Mortgage / Home Equity
(up to 90% financing)
| Loan Type | APR* as low as | Example payment on $10,000*** |
|
5 yr Fixed |
7.50% |
$200.38 per month |
|
10 yr Fixed |
7.75% |
$120.02 per month |
|
15 yr Fixed |
8.00% |
$95.57 per month |
***The above listed payments do not include amounts for taxes and insurance premiums, if applicable, and your actual payment may be higher. The interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for federal income tax purposes.
The consumer should consult a tax adviser for further information regarding the deductibility of interest and charges.
home equity line of credit
Loan Type
Minimum Loan Amount
Maximum Loan Amount
10 year repay
Maximum Term
APR*
Max rate 14.00%
Fees could reduce earnings
Celebrating our Hometown Heroes
United Financial Credit Union wants to recognize our Hometown Heroes. Let our staff know if you are a Veteran, Active Military or First Responder; EMT, Police, Fire. We would like to thank you for your service and dedication to your communities. Learn more about our program here.
Hometown Heroes Loan Specials:
Receive a 0.25% Rate Discount on your new Consumer Loan**
Receive up to $500 OFF Closing Costs on your New Mortgage***
Apply for a loan today!
Must have some form of identification to show you are a Veteran, Active Military or First Responder.
**Consumer Loan Discount – valid on new loans at the Credit Union, loan must be financed in house, not valid on No Credit Check Loans, Personal LOC or Mortgages
***Mortgage Loan Offer – Some restrictions may apply. See Credit Union for details.
Explore Our Mortgage Loan Options
Fixed-Rate Mortgages
Secure a stable interest rate for your loan term, ensuring predictable monthly payments. Choose from terms ranging from 5 to 30 years.
SEE RATE →
FHA Mortgage Loans
Ideal for first-time homebuyers, these government-backed loans offer lower down payment requirements, more lenient credit score standards, and higher debt ratio standards. FHA loans are provided through a third-party service provider in coordination with United Financial.
CONTACT US DIRECTLY FOR RATES
VA Mortgage Loans
Eligible veterans, active-duty service members, and their families can access competitive interest rates and no down payment requirements as a token of gratitude for their service. VA Mortgages are provided through a third-party service provider in coordination with United Financial.
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Vacant Land Loans
Get up to 80% financing on a purchase of land! Perfect for getting the land to build your dream home in the future or property investors. Choose from terms of 5 to 15 years.
CONTACT US DIRETLY FOR RATES
Construction Loans
Used for financing the actual construction of buildings either for your primary or second residential home.
Home Equity Loans (HELOC) and Fixed Rate Home Equity Loans
You can borrow against your home’s value to access funds now. Learn more about Home Equity Loans now!
SEE RATE →
Helpful Financial Resources and Calculators
Mortgage Calculator
Estimate your monthly payments
Home Affordability Calculator
Determine your budget
Loan Comparison Tool
Compare different loan options
Refinancing Calculator
First-Time Homebuyer Guide
Learn the basics of the home buying process
